NOTES: For questions and full disclosure of fees please contact a Universal Banker at any of our locations. Please check with the bank for interest rates that are applied to each account. Rates are subject to change at anytime without notice.

Savings

Regular Savings

$300 minimum balance

Monthly fee if below minimum balance any day during the month is $5.00

Health Savings Account

Health Savings Accounts or HSA’s were created by Congress to combat rising medical costs. It is like an IRA account that is designed exclusively for covering medical expenses.

NOTES: For questions and full disclosure of fees please contact a Universal Banker at any of our locations. Please check with the bank for interest rates that are applied to each account. Rates are subject to change at anytime without notice.

Money Beez Savings Club for Kids 11 and under

No minimum balance

No monthly fee

Tiered interest rates based on collected balance

The Money Beez Savings Club is an interest-earning account for kids age 11 and under. It offers a great opportunity for children to have fun while developing good savings habits.

For every deposit of $5 or more, your child’s Money Beez card will be stamped. Your little bee will receive a prize with a completed card.

Stop in today and get your little Money Bee started toward a great financial future!

First Young Investors ( 12 – 18)

No minimum balance

No monthly fee

Tiered interest rates based on collected balance

As a member of First Young Investors Club you will learn a lot about banking and making your money work for you. Stop in and see one of a Universal Banker to learn more.

CDs

Certificate of Deposit (CD)

A Certificate of Deposit is a great choice if you want a guaranteed interest rate and you are willing to invest for a certain period of time. Your investment is insured by the FDIC up to at least $250,000 and the following features are included when investing in a CD:

TERM – This savings product offers a large variety of terms. We offer terms from (6) months to (72) months. We also have periodic “specials” that may offer an enhanced rate if you choose that product.

MINIMUM BALANCE – Most CDs at First National Bank Minnesota require a minimum deposit of $1,000. “Specials” may require a higher minimum because of the bonus rate being paid.

WITHDRAWALS – When you invest in a CD, you agree to keep your funds in for a specified period of time with no withdrawals. If you need to withdraw funds before the specified time period is up, penalty fees may apply.

INTEREST – The interest rate paid is posted in the bank and can also be obtained by contacting our New Accounts area. Rates will normally be higher than regular savings and money market rates because you have agreed to put dollars into the bank for a specific term.

We offer numerous retirement plans for individuals as well as businesses. This is an area where our account professionals will help you determine what is the best for your needs. You have an opportunity to begin a new plan with us or transfer your existing plan to First National Bank Minnesota. Our goal is to provide professional personal service to you with the right mix for a successful retirement plan.

IRAs

Education IRA

What is an education savings account?

An ESA is an investment tool created for the purpose of paying for a child’s education. The plan allows total after-tax contributions of $2,000 per year for each child until they reach the age of 18. These contributions and their subsequent earnings are tax-free when withdrawn to pay for qualified education expenses.

For more information on the IRA products contact our Universal Bankers.

Contributions are never deductible. Earnings can grow tax-free. Contributions can generally be distributed tax-free at anytime. Earnings can be distributed tax free if the Roth IRA contributions at least five years ago AND one of the following event occurs:

Attaining age 59 ½
Incurring a disability
Purchase a first home
Death (payments to beneficiaries)

Distributions are not required to be taken by Roth IRA holders at age 70½.

First National Bank Minnesota offers Certificates of Deposits and IRAs, please check with a Universal Banker for interest rates that are applied to each account. Rates are subject to change at anytime without notice.

Loans

Home Loans

Looking to buy, build, or refinance let First National Bank Minnesota make your dream home a reality.

Mortgage Loans
For most people, buying a home is the single biggest investment they will make. Getting a mortgage can be one of the biggest financial steps of your life. We create custom mortgages to meet your out of the ordinary needs, as well as offer a comprehensive menu of standard mortgage products.

Trust our mortgage experts to help your dreams of owning a home become a reality. First National Bank Minnesota offers a variety of mortgages to fit your budget and can assist you with the home buying process.

Whether it is a fixed rate conventional or an adjustable rate or balloon, we have a mortgage product for you. Our special mortgage products are designated to meet your needs as a first time homebuyer.

Refinance Loans
Most of the time you can lower your payments every month if you refinance at an interest rate that is ½% lower than your current rate. If the market is right for you First National Bank Minnesota can help you maximize your monthly income. Contact us today.

Construction Loans
Let First National Bank Minnesota make your dream home a reality with a new home construction loan. We can help you build your future.

Special Loan Programs
Check with us for any updates on grant programs or special first-time home buyer programs that come available from time to time.

To get current mortgage information contact one of our mortgage officers today:

Personal and Auto Loans

Online Services

Mobile Banking

Mobile Banking with First National Bank Minnesota is a must-have for those busy lives on the go. Keep in touch with your accounts through our App, text messages, or Web Browser.

The convenience of Online Banking on your mobile device. It is available to anyone enrolled in Online Banking. To enroll, log in to Online Banking, select Mobile Banking from the Options tab, and complete the enrollment process. It’s that easy!

To get the App, search and download the TouchBanking App from your app store. After you download the TouchBanking application, you will need to enter the App Code, FNBMN123, to activate it.

The FREE service delivers:

Real-time account transaction information

Funds transfers

Alerts

Pay Bills

Make Deposits

MOBILE DEPOSIT

You can use our FREE Mobile Deposit service in Mobile Banking simply by choosing the Deposit function through your Smartphone’s banking app.

How It Works

It’s so easy! All you do is step through the Deposit process and take a picture of the front and back of your check using your phone to deposit your check no matter where you are.

1. Select the deposit button and choose to deposit check

2. Choose the account to deposit to

3. Enter the amount of the check to deposit

4. Endorse the check and write, “For Mobile Deposit Only, FNBMN” or “For FNBMN Mobile Deposit Only” on the back

5. Take photos of the front and back of the endorsed check

6. Verify and submit the deposit

Please keep your paper check until funds are posted to your account.Deposits made before 4 PM CT on a business day will be considered for deposit the same day.Deposits made after 4 PM CT may be considered for deposit the next business day.Mobile Deposit is available free of charge. Mobile carrier fees may apply.
The check deposit limit is $2,500 and the daily limit for mobile daily is $2,500.

Bill Pay

Bill Pay is the easier, faster and safer way to pay all your bills. Hop into the convenience of paying all your bills from one secure website and gain greater control over both your time and your finances.

Online Banking

With Internet Banking at First National Bank Minnesota, you now have the convenience of a bank that never closes.

Do your banking anytime and anywhere!

There are no fees associated with this service. Log in to Online Banking and start using this product today!

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If you have questions about FDIC coverage limits and requirements, please visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC, or ask a representative at the bank.

First National Bank Minnesota knows that you entrust us with personal and financial information.Our Bank takes that trust very seriously. We recognize that your relationship with us is based on trust and that you expect us to act responsibly and in your best interest. Please click here for Privacy Notice. Please click here for Safeguarding Your Information.